The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$28,965
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,866
−HK$916/mo
Today · 4.125%
HK$30,782
baseline
▲ 0.50% · 4.625%
HK$32,655
+HK$1,873/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$61,564/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,224
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,088
−HK$877/mo
Today · 4.125%
HK$33,965
baseline
▲ 0.50% · 4.625%
HK$35,755
+HK$1,790/mo
Deposit HK$6.35M · loan HK$6.35M · min. income ≈ HK$67,930/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,759
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,840
−HK$1,098/mo
Today · 4.125%
HK$36,938
baseline
▲ 0.50% · 4.625%
HK$39,186
+HK$2,248/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$73,876/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,669
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,706
−HK$1,052/mo
Today · 4.125%
HK$40,758
baseline
▲ 0.50% · 4.625%
HK$42,906
+HK$2,148/mo
Deposit HK$5.08M · loan HK$7.62M · min. income ≈ HK$81,516/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,552
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,813
−HK$1,282/mo
Today · 4.125%
HK$43,095
baseline
▲ 0.50% · 4.625%
HK$45,717
+HK$2,622/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$86,190/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,113
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,323
−HK$1,228/mo
Today · 4.125%
HK$47,551
baseline
▲ 0.50% · 4.625%
HK$50,057
+HK$2,506/mo
Deposit HK$3.81M · loan HK$8.89M · min. income ≈ HK$95,102/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,138
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$53,760
−HK$1,647/mo
Today · 4.125%
HK$55,407
baseline
▲ 0.50% · 4.625%
HK$58,779
+HK$3,372/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$110,814/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,003
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,558
−HK$1,579/mo
Today · 4.125%
HK$61,137
baseline
▲ 0.50% · 4.625%
HK$64,359
+HK$3,222/mo
Deposit HK$1.27M · loan HK$11.43M · min. income ≈ HK$122,274/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,353 · Scale 2, in force from 26 Feb 2026)